Navigate IFA Ltd

Reference number: 919807

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When navigateifa.com first appeared online, and whether it can receive email
  • What kind of line 028 9076 9769 is
  • Who else gives the postcode BT4 1NY
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FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (14 permissions)
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

FCA disciplinary action

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
NI663750
Company status
Active
Company type
Private limited company
Incorporated
16 August 2019 (7 years old)
Registered office
150 Holywood Road, Belfast, BT4 1NY, Northern Ireland
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Robert Hamill Director Jul 1976 16 Aug 2019 3 other companies
Paul James Mccoubrey Director Mar 1980 16 Aug 2019 8 other companies

Other companies run by these 2 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
9
closed down
6
are FCA-registered
2

In the full report: all 9 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • The 2 companies these 2 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£372k

−3.3% from £385k

Employees (average)

9

−10% from 10

Owed within a year

£59.2k

No earlier figure to compare

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company NI663750. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Navigate IFA’s history from the FCA register and Companies House, newest first.

Key events (6) All events (19)

2026

1 September 2026

  • Michael Robert Hamill became a part-owner (25–50% of shares)
  • Paul James McCoubrey became a part-owner (25–50% of shares)

Companies House

2020

3 August 2020

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Firm to abide by Deed Poll regarding past business)

FCA register

20 January 2020

  • Became authorised by the FCA

FCA register

2019

16 August 2019

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (6 shown here)
  • Every director appointment and resignation: 10
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Firms connected to Navigate IFA

Other FCA-listed firms that share a director, phone number or address with Navigate IFA. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share a director
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
  • 1 past link through former directors
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Firms like Navigate IFA

Other firms of the same type (financial adviser), nearest first.

In Belfast

Andrew Clements Partnership LtdBelfastAuthorisedBartholomew & James (Financial Services) LimitedBelfastAuthorisedCarlile Financial Services LtdBelfastAuthorisedCompass Financial Associates LimitedBelfastAuthorisedConroy Financial Planning LLPBelfastAuthorisedCrn Financial Services LimitedBelfastAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Navigate IFA

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 19 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Navigate IFA Ltd FCA authorised?
Yes, Navigate IFA Ltd (FRN 919807) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2020 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Navigate IFA’s phone number and website?
The FCA register lists the phone number 028 9076 9769 and the website navigateifa.com for Navigate IFA. If you were given different contact details, use these to check with the firm before going any further.
Is Navigate IFA a scam or clone?
Navigate IFA is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Navigate IFA?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Navigate IFA to the Financial Ombudsman Service, free of charge.
Who owns Navigate IFA?
Companies House lists 2 people with significant control of Navigate IFA: Mr Michael Robert Hamill (25–50% of shares) and Paul James McCoubrey (25–50% of shares).
Who runs Navigate IFA?
Companies House lists 2 directors of Navigate IFA: Michael Robert Hamill and Paul James McCoubrey.
How long has Navigate IFA been in business?
The company was formed on 16 August 2019, and has held its current FCA authorisation since January 2020.
What do Navigate IFA’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £372k (−3.3% from £385k).

Sources and links

The full report on Navigate IFA Ltd

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